Holiday Loans NZ — Travel Finance from $200
A holiday loan lets you take the break you need when you need it. If you want a relaxing holiday but lack the funds, our travel loan lets you take the pressure off and enjoy your trip completely.
Holiday loans from $200 to $20,000
Fixed 29.95% p.a. for the term of the loan
Helping New Zealanders since 1993
Plan your trip with a holiday loan
A holiday loan or travel loan could be just what you need to help you finance your trip conveniently! Vacation loans can help pay for your trip’s costs, including travel, accommodation, food, and more. Don’t let finances stand in the way of enjoying life—with a travel loan from MoneyShop, you can take the break you need now, and pay it off later. Start planning your dream trip by using our holiday loan calculator.
Why choose MoneyShop for your Holiday Loan
Here at MoneyShop, we aim to give you a holiday loan at a fixed 29.95% p.a. Applying for a travel loan online is a straightforward way to get your application reviewed. Take off with our three-step loan application process. Lending criteria apply.
Apply for a holiday loan
Complete our online holiday loan application. It only takes a couple of minutes *
Cover flights and stays
A travel loan can help with airfare, accommodation, rental cars, tours, and travel extras.
Get paid if approved
If your application is accepted, funds go to your bank account so you can book. Lending criteria apply.
What can holiday loans NZ help you fund?
Flexible travel finance for flights, stays, and experiences — so you can book the break you need without wiping out your savings.
Flights, stays, and trip costs
A MoneyShop travel loan can help cover airfare, accommodation, rental cars, tours, and travel accessories. Holiday loans NZ are simply personal loans used for travel, with clear repayments you can plan around your budget.
Apply online for your travel loan
Prefer not to put the whole trip on a credit card? Check repayments with the calculator on this page, then apply online in minutes. Once approved, funds go to your bank account so you can book with confidence. Explore other personal loans if you need a different option.
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Holiday Loan FAQ's
What are travel loans?
A travel loan, (a.k.a., a vacation loan or holiday loan) is simply a type of personal loan that is used for travel purposes. You can use it to finance airfare, accommodation, tours, rental cars, and new travel accessories.
How does a vacation loan work?
Most holiday loans fall within personal loan services and are just like other personal loans. At MoneyShop, the amount you borrow can be as little as $200 and as much as $20,000.
What are ways to finance a vacation?
There are different ways to finance a vacation, such as personal savings, taking out a vacation loan, paying for the holiday using a credit card, borrowing from friends and family, or increasing your mortgage.
Is it a bad idea to take out a personal loan for a vacation?
Vacation loans are one way to finance a holiday without the stress of a limited budget. A loan can be a suitable option if you need to take a sudden trip, want a once-in-a-lifetime trip, or can confidently make on-time repayments.
Can I get a Holiday Loan with Bad Credit?
It depends! Give us a call on 0800 66 66 39 and we can do a credit check to see if we can help.
Why should I get my Holiday loan from MoneyShop?
Here at MoneyShop, we are all about providing our customers with quick and easy solutions. It only takes minutes to apply for a holiday loan online and your application will be in the hands of our staff ASAP.
How do I apply for a Holiday Loan?
All you need to do is complete our online application form to apply for a vacation loan. It only takes a couple of minutes! Once your application is accepted, the money is deposited in your bank account!
Any more questions?
Contact UsOur friendly team are here to help throughout the lending process. Call us on 0800 66 66 39 or get in touch online.
Ready when you are
Planning a trip?
Prefer to talk? Call 0800 66 66 39.
Our costs and terms
Clear, upfront pricing with no hidden fees.
Loan amount
$200–$20,000
Loan terms
3 months–3 years
Fixed rate
29.95% p.a.
Repayments
Weekly
Interest rate
The interest rate is 29.95% p.a. for secured, refinanced, and new unsecured loans. Your rate is fixed for the whole contract — no surprises, no hidden fees.
Interest is calculated daily on the unpaid balance (annual rate ÷ 365) and charged when instalments fall due.
Default interest rate
MoneyShop doesn't charge default interest. If your account falls behind, a $1 daily arrears fee may apply until things are back on track. Reversed payments incur a $5 fee, and missed-payment contact may involve a letter fee (up to $50), a $5 phone fee, or an $80 + GST home-visit fee. Any third-party recovery costs are passed on at cost.
Establishment fees
One-time setup fee based on loan size:
| Fee | Cost |
|---|---|
| $200 to $499 | $65.00 |
| $500 to $800 | $160.00 |
| $800 to $5,000 for three years or less | $300.00 |
| $5,000 to $15,000 for three years or less | $310.00 |
| Over $15,000 for three years or less | $455.00 |
Some loan setup costs come from third parties — such as credit checks, PPSR searches, and security-registration fees — and these are passed on at cost. Your account also has a daily administration charge of 55c while it's open. We send statements every six months, and extra statements are free by email or $5 if printed. If you repay your loan early, an administration fee of $50 (averaged) may apply, along with any third-party deregistration costs.
Repayment example
Borrowing $3,000 over 78 weeks
- Weekly repayment: $58.87
- Total repayments: $4,592.86
- Includes: Interest, $300 establishment fee, $0.55/day admin fee
- Does not include: Any optional or default-related fees
Also: $1,500 over 52 weeks = $44.83/week.
This example assumes a fixed interest rate of 29.95% p.a., no missed payments, and no early repayment. Actual costs may vary depending on your loan amount, term, and repayment history.
Want to calculate repayments with our personal loan calculator?
Loan CalculatorLearn more about loan costs, interest rates, and fees on our Cost of Borrowing page.